small charges mounting to big money

standard bank,this is pathetic... i am not too sure if this is a **** for you to rip people's money little by little.... every month end its either your app is not working or under maintenance, that shouldn't be our problem... i purchased electricity using my std app and you wouldn't process the purchase due to whatever reason not disclosed to me, i had funds on my account but for all my three trials you kept of reversing the transaction and you charged R1.50 for each and every reversal. why, i don't know because its not even my fault :-( . these small monies goes a long way.